Empirical Research And Theory On Competitiveness Of Commercial Banks In China

With the deepening of the world economy globalization, the banking is facing such a question of how to deal with the growing fierce competition. In this situation, how to improve the competitiveness of our commercial banks has become an urgent issue. This paper is a study about the competitiveness theory of banking, evaluating its competitiveness correctly, finding out the main influence factors and discussing how to improve the banking competitiveness.Based on the study above, this paper uses an empirical study of the competitiveness of commercial banks. This thesis builds the competitiveness evaluation index system of commercial banks, the data of which are from thirteen commercial banks'stock annual reports. Then the final result has been analyzed.Through comprehensive theoretical study and empirical study, corresponding policy recommendations for enhancing the competitiveness of the commercial banks are proposed.This thesis consists of five chapters. The first chapter introduces the study background and significance of this topic. The second chapter includes the existing theories of the competitiveness of enterprises and commercial banks that are the theoretical basis of the research. Based on the research at home and abroad, factor analysis is chosen for building the index system. The third chapter is the theoretical research of commercial banks'competitiveness. The fourth chapter studies the empirical analysis on the commercial banks'competitiveness. Statistical model is used to giving the thirteen commercial banks'competitiveness a ranking. The fifth chapter gives suggestions to improve the commercial banks'competitiveness. In the first part, the commercial bank pricing power should be improved, firstly having pricing of product and then needing corresponding management to support it. In the second part, several risk control measures should be applied. The third part makes suggestions on improving their management level. The fourth part introduces how to improve the capacity of financial innovation.